PRIVACY POLICY

Last Updated: April 29, 2025

Introduction

J.J. Marshall, dba of Ceteris Portfolio Services, LLC, (hereinafter “J.J. Marshall,” “We” or “Us”) believes that maintaining the privacy and confidentiality of an individual’s personal information is important. This Privacy Policy (“Privacy Policy”) describes how we collect, use, maintain, and disclose information collected from consumers, website visitors, and other individuals who interact with our services.

This Privacy Policy applies to the information we collect:

  • When providing debt collection services
  • Through our website at J.J.marshallinc.com
  • Through email, text, or other electronic communications
  • Through phone calls and other direct interactions

By using our services or website, you agree to this Privacy Policy. We may change this Privacy Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. We will post any changes on this page with an updated revision date. Your continued use of our services after such modifications constitutes your acknowledgment of the modified policy and your agreement to abide by the modified terms. 

Personal Information We Collect

For Debt Collection Purposes

We typically collect the following categories of Personal Information about a consumer for debt collection purposes only: 

  • Health insurance information, which we obtain from the debtor’s creditor or the consumer, if we are collecting a medical debt
  • Personal identifying information, like name, address, and account number, as well as other identifying information, which we obtain from the consumer’s creditor, credit reports and other skip trace tools, and the consumer
  • Characteristics such as age, gender, etc., which we obtain from the consumer’s creditor and consumer’s credit report
  • Retail information, which we obtain from the consumer’s creditor and the consumer’s credit report
  • Internet activity regarding online payments, which we collect if the consumer visits our website or payment portal
  • Geolocation data, which we obtain from process servers
  • Recordings, which are made when the consumer has a telephone conversation with us
  • Professional and employment-related information, which we obtain from the consumer’s creditor, credit reporting agencies, and other skip trace sources
  • Educational information, which we obtain from the consumer’s creditor, credit reporting agencies, and other skip trace sources 

Website and Technical Information

When you access our website, emails, or web applications, we may collect technical and computer information including: 

  • Internet Protocol (IP) address
  • Browser type and language
  • Internet service provider (ISP)
  • Type of computer and operating system
  • Date/time stamp
  • User interface interaction data (such as mouse clicks, navigation, keystrokes)
  • Uniform resource locator (URL) information (showing where you came from or where you go next)
  • Email open rates 

How We Use Information

We use your personal information primarily to:

  • Send you communications about your account 
  • Verify your identity when you contact us 
  • Process payments and other account activity you authorize 
  • Provide and improve our services
  • Monitor and secure our website and services
  • Detect and prevent fraud
  • Provide customer service, addressing and resolving questions or disputes 
  • Comply with state, federal, and local laws
  • Demonstrate compliance with applicable laws and regulations 

By providing us with your mobile number and opting-in, you give J.J. Marshall permission to send you account-related text messages, like payment reminders and notifications in conjunction with the services you have requested. The number of messages will vary by account. 

By providing us with your mobile number and opting-in, you agree you have ownership rights or permission to use the number given to us. Message and data rates may apply. To opt-out of text messages to the phone number where you received a message, text STOP to any text message we send you. An opt-out confirmation message will be sent back to you. 

In all our emails we use pixel tags. Depending on your email provider, pixel tags can enable us to tell whether the email has been opened. If you prefer not to be tracked this way, you should not open our emails. In most of our email messages, we use “click-through URLs” linked to web pages on our site. We track this click-through data to help us determine interest in particular topics and measure the effectiveness of our customer communications. 

Sources of Personal Information

We receive your personal information from:

  • The creditor or current creditor of your account 
  • You directly through phone calls, email correspondence, or interactions with our website 
  • Third-party vendors who help us confirm the validity of our information (addresses, phone numbers, bankruptcy status, deceased information) 
  • Credit reporting agencies and other skip trace sources 

Disclosure of Personal Information

We do not sell any personal information to third parties. We may disclose information to:

  • Credit reporting agencies 
  • Service providers who help us with payment processing, mailing, information verification, and improving our services 
  • Law enforcement or judicial authorities pursuant to a court order, subpoena, or to cooperate with a law enforcement investigation 
  • Local, state, or federal government authorities or courts when there is a lawful basis or if disclosure is reasonably necessary to demonstrate compliance with the law 

When disclosing information, we only provide the minimum amount of information necessary for the particular vendor to assist us in providing our services. 

Data Security

J.J. Marshall takes reasonable steps to protect the security, confidentiality, and integrity of the information we collect. We have implemented various physical, electronic, and managerial measures to provide your information with reasonable protection from accidental loss or destruction, improper use, alteration, or disclosure. 

We protect your personal information during transit and at rest using encryption. When your personal information is stored by J.J. Marshall, we use computer systems with limited access housed in facilities using physical security measures. 

However, no Internet or email transmission is ever fully secure or error-free. Therefore, you should take special care in deciding what information you send to us over the Internet or via email. 

Data Retention

J.J. Marshall will retain your personal information for the period required to fulfill our services, meet our contractual obligations, and as required by law. When assessing these periods, we only retain it for the shortest possible period unless a longer retention period is required by law. 

We are required to keep your data due to the underlying contractual relationship between you and the creditor. We are also required to keep personal information for legal reasons as long as the statute of limitations period lasts for the type of account in collections and for other statutory obligations. 

If we change ownership through an acquisition, merger, sale, or other change of business status, we reserve the right to transfer or assign the right to use your Personal Information under the terms of this Privacy Policy.

Your Privacy Rights

California Consumer Privacy Act (CCPA) Rights

Under the California Consumer Privacy Act, you have the right to request that we disclose the following: 

  1. The categories of personal information we collect
  2. The categories of sources from which personal information is collected
  3. The purpose for collecting personal information
  4. The categories of third parties with whom the business shares personal information
  5. The specific pieces of personal information we have collected, disclosed, or sold

Such a request can be made to J.J. Marshall at (586) 992-3200 or by email to [email protected]. Once we receive your request, we will compare the information you provided with the information we already have. If we can verify that the request came from you, we will provide the required information. We will match 2-3 identifying personal information data points to verify that the request came from you. If we cannot verify that the request came from you, we will notify you. 

The California Consumer Privacy Act also provides the right to request deletion of your information, subject to various exceptions. The information that J.J. Marshall has generally falls within an exception and does not have to be deleted upon request. Nonetheless, such a request can be made to J.J. Marshall at (586) 992-3200 or by email to [email protected].

The California Consumer Privacy Act also provides for the right to opt out of the sale of personal information. However, we do not sell personal information. 

You have a right not to receive discriminatory treatment by us for the exercise of the privacy rights conferred by the California Consumer Privacy Act. 

A consumer can designate an authorized agent to make a request under the California Consumer Privacy Act. The consumer must provide either a power of attorney or written authorization. 

Rights for Residents of Other States

Residents of certain U.S. states have rights regarding their personal information under applicable privacy laws, including residents in states such as Colorado, Connecticut, Delaware, Iowa, Montana, Nebraska, New Hampshire, New Jersey, Oregon, Texas, Utah, and Virginia. 

Subject to exceptions, you may have the right to:

  • Request access to the personal information we have collected about you
  • Request correction of inaccurate personal information
  • Request deletion of personal information, subject to legal and contractual obligations 

Cookies and Tracking Technologies

Our website may use cookies to gather information so that we can improve the effectiveness of our services. You may choose to set your web browser to refuse cookies or to alert you when cookies are being sent, but some parts of the website may not function properly without accepting cookies. 

Third-Party Websites

This Privacy Policy applies only to our website and not to any third-party websites for which our website may contain links. The privacy practices of those third-party websites may differ from the privacy practices of J.J. Marshall as described in this Privacy Policy. J.J. Marshall has no control over those third-party websites and we do not endorse or have reviewed those third-party websites or links, nor do we take any responsibility with respect to them or the information you may provide in accessing or using them. 

Communication Preferences

You may advise us of your communication preferences including the ability to opt out or stop receiving communications from us. To stop the receipt of future communications from us, you may email us at [email protected], or write to us at J.J. Marshall 28820 Mound Rd. Warren, MI 48092, or call us at (586) 992-3200.

Changes to Privacy Policy

We may change or modify this Privacy Policy from time to time by posting a changed version of the Privacy Policy on this website. When we do so, we will change the effective date of the Privacy Policy. If we make material changes to our Privacy Policy, we will notify you by prominent notice on our website. Your continued use of our website after such modifications means that you have accepted our updated Privacy Policy and agree to abide by and be bound by the modified Policy. 

Contact Information

Questions regarding this Privacy Policy should be directed to:

J.J. Marshall
28820 Mound Rd.
Warren, MI 48092
Phone: (586) 992-3200
Email: [email protected]

This privacy policy was last updated on April 29, 2025.